HDFC Bharat CashBack Credit Card

Key Highlights of the HDFC Bharat Cashback Credit Card

With your HDFC Bharat Cashback Credit Card you get 5% cashback on fuel, grocery, mobile recharges, and more. This card allows you to save up to Rs.3,600. So, don't worry when you use your card because the more you spend, the more you end up saving.

Features and Benefits of the HDFC Bharat Credit Card

5% cashback on railway bookings made on the IRCTC website or mobile application.

5% cashback on grocery spends.

5% cashback on fuel spends.

5% cashback on all bill payments and recharges made using your card.

5% cashback on all EasyEMI transactions and SmartBuy transactions.

Note: You will earn cashback as points which can then be redeemed as cashback.

Fuel Surcharge Waiver

Enjoy a waiver on the 1% fuel surcharge that is applied to fuel transactions made using your card.

To enjoy this waiver, the transaction amount needs to be Rs.400 and the maximum cash back per statement cycle is Rs.250.

Savings

Save up to Rs.3,600 every year with the cashback you earn with this card. Here's a table illustrating how:

Spends (Annually)

Cashback

Savings (Annually)

IRCTC spends (Rs.6,000)

5%

300

Bill payments/recharge (Rs.12,000)

5%

600

Fuel spends (12,000)

5%

600

PayZapp (Rs.15,000)

5%

Rs.750

EasyEMI and SmartBuy (Rs.15,000)

5%

Rs.750

Total Savings

Rs.3,000

Add the 1% fuel surcharge waiver and you can save up to Rs.3,600 annually.

Insurance Coverage

Make a minimum of 4 transactions worth Rs.100 each month and enjoy the following complimentary insurance coverage:

Up to Rs.50 lakh accidental death insurance.

Up to Rs.2 lakh purchase protection in case of loss of a product due to burglary or fire.

Renewal Fee Waiver

Spend a minimum of Rs.50,000 in the year prior to your card renewal date and enjoy a waiver on the renewal fee or annual fee of Rs.500.

Zero Lost Card Liability

If your card goes missing or has been stolen, notify the bank immediately by calling their customer service centre. Once this is done, you will not be held liable for any unauthorised or fraudulent transactions made using your card.

HDFC Bank Bharat Cashback Credit Card Limit

The credit limit on your card is the amount you can spend without incurring any over limit penalties.

This limit differs from person to person and will be intimated to you by the bank. The reason for the difference in credit limit is because this limit is based on a number of factors. These factors include your employment status, your credit repayment history, your current debt obligations, and your credit score.

Latest Offers with Your HDFC Bank Bharat Cashback Credit Card

10% instant discount when you book Qatar Airways flights. You also get 100% additional Q Miles (valid until 30 September 2019).

Flat Rs.750 off on Mindfit and CultFit memberships (valid until 31 December 2019).

Reward Point Benefits

The Bharat Credit Card is a cashback credit card; however, you earn the cashback in the form of Reward Points.

You get 5% cashback on your spends in the form of points. 1 Reward Point = Rs.1.

The cashback you earn for railway bookings, fuel spends, groceries, and bill payments is capped at Rs.150 per month. While the cashback earned on PayZapp transactions or on SamrtBuy and EasyEMI is capped at Rs.150 per statement month.

How to Redeem Reward Points Earned

Your Reward Points can be redeemed for cashback on request.

To know more about how you can convert the points you have earned to cashback, please contact the bank's customer service centre.

Alternatively, you can visit your local branch to find out how you can place this request.

Fees and Charges

Type of Charge

Amount

Joining fee

Rs.500

Annual fee/renewal fee

Rs.500 (reversed on spends of Rs.50,000 or more in the previous year)

Interest rate

3.49% per month (41.88% p.a.)

Minimum repayment amount

5% of the outstanding balance subject to a minimum of Rs.200

Late payment fee

- Less than Rs.100: Nil

- Rs.101 to Rs.500: Rs.100

- Rs.501 to Rs.5,000: Rs.500

- Rs.5,001 to Rs.10,000: Rs.600

- Rs.10,001 to Rs.25,000: Rs.800

- Greater than Rs.25,000: Rs.950

Cash advance limit

40% of the credit limit

Cash advance fee

2.5% of the amount withdrawn or Rs.500, whichever is higher

Foreign currency mark-up fee

3.5% of the transacted amount

Reissue of lost or damaged card

Rs.100

Eligibility for the HDFC Bank Bharat Credit Card

Here are the eligibility criteria for this credit card:

Salaried Individuals

Age

Minimum 21 years.

Maximum 60 years.

Income

Gross monthly income greater than Rs.12,000.

Self-employed Individuals

Age

Minimum 21 years.

Maximum 60 years.

Income

Income tax returns higher than Rs.2 lakh per annum.

Documents Required

The documents required to apply for this card will be intimated to you when you apply for the card. In general, however, here is a list of the documents you may have to provide:

Identity-related documents: This can include your PAN card, Aadhaar card, and passport among other documents.

Income proof documents: These documents can include your payslip, income tax returns, Form 16, etc.

How to Apply for the HDFC Bank Bharat Credit Card Online

You can apply for this credit card on the bank's website.

All you have to do is:

Navigate to the page for the HDFC Bank Bharat Credit Card.

Select 'Apply online'.

Enter the required details such as your name and contact number.

You will also have to provide your PAN and income details.

Once this is done, hit the 'Submit' button.

You may then receive a call or an SMS from the bank requesting for more details with regards to your application.

HDFC Bank Bharat Credit Card Frequently Asked Questions

I recently bought a mobile phone and recharge combo with my credit card. Will I get the 5% cashback on mobile recharges?

No. recharges that are clubbed with mobile phone purchases or recharges done in outlets that deal with the sale of mobiles and mobile accessories will not be eligible for the 5% cashback.

If I recharge my cell phone via PayZapp, will I get 5% cashback for each transaction?

No. You will receive a 5% cashback on only one of the transactions.

Are all purchases made using the card eligible for fire and burglary protection?

Only purchases that are Rs.5,000 and more are eligible for this purchase protection. Moreover, items such as motor vehicle deeds, pedal cycle deeds, bills of exchange, bonds, certificates, business books, manuscripts, documents, jewellery, unsettling precious stones, promissory notes, share certificates, valuables, and items that are combustible in nature are not eligible for this insurance coverage.

How do I make an insurance claim?

To make a claim for accidental death insurance, follow these steps:

Your legal heir should intimate the bank within 30 days of the accidental death. They can do so by emailing bankclaims@hdfcergo.com.

Your legal heir will then have to send the relevant documents to bankclaims@hdfcergo.com within 60 days from the date of loss.

For purchase protection (for products which have been purchased in the last 180 days), follow these steps:

Intimate the bank within 15 days of the loss event by sending an email to bankclaims@hdfcergo.com.

Submit all relevant documents to bankclaims@hdfcergo.com within 45 days from the date of loss of the product.

What is the grace period or the interest-free period on this card?

You get an interest-free period of up to 50 days with the HDFC Bharat Credit Card.

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